Ron Tetley |
April 15, 2014 |
Your Retirement
While attending classes to become a financial advisor, my teacher said something that completely changed my life. It changed the way I look at financial planning as a whole, and how I have directed my career path to this point. As a result, I’ve had the privilege and the pleasure of helping many people. I was sitting in my class one day, taking notes, and the teacher said: “Someday, you will be sitting at your desk and one of your clients will be sitting across...
View Article
Todd D. Heckman |
January 9, 2014 |
Long Term Care, Member Posts, Retirement Planning, Todd Heckman, Your Retirement
There’s a great Number 1 song from 1974 by the late artist Harry Chapin called: “Cat’s in the Cradle.” Written as a poem for Chapin by his wife Sandy, it tells the story of a father’s relationship with his son. More importantly it describes how the march of time robs us of our intent to take care of the things we need to take care of in the here and now. Predictably, as the song’s melody plays on, the father is struck by an observation...
View Article
Todd D. Heckman |
July 29, 2013 |
Jeffrey Kiesel, Member Posts, Retirement Planning, Your Retirement
Written By: Jeffrey Kiesel in Chester Springs, PA Remind yourself verbally, especially when you are listening to the business reports with all of their expert opinions about what will happen in the next quarter or next year: “There is absolutely nobody who knows what’s going to happen in the future. Not next week, month, year or decade. If they did, why didn’t they avoid the latest economic debacle or market disaster? Or why didn’t they retire on all the money they would have made?” Later...
View Article
Todd D. Heckman |
June 12, 2013 |
Jeffrey Kiesel, Member Posts, Retirement Planning, Your Retirement
Written By: Jeffrey Kiesel | Solid Rock Retirement Before you do anything else to plan for your retirement, do yourself a favor and read the “Gathering List” below. When you have read and done all of the items on this list you will be ready to make your preliminary retirement plan. Once you have done that, you should make an appointment to speak with a financial retirement specialist or advisor. You want that person to have a working knowledge of all or most of these...
View Article
Todd D. Heckman |
June 10, 2013 |
401k and IRA Blogs, Member Posts, Nina Avery, Your Retirement
Written By: Nina Avery, CFP® | Avery Safe Money Solutions “Today’s Rude Opinion Poll: Which description best characterizes our elected representatives in Washington, regardless of party affiliation? They are hapless boobs, constantly passing laws that contradict each other. They are scheming miscreants, relentlessly seeking new ways to increase taxes and spend more of our money.” Scott Burns opines in his 2007 article “In 401(k), Employers Really Contribute to the IRS” featured in The Dallas Morning News. He goes on in his article to point out...
View Article
Todd D. Heckman |
June 4, 2013 |
Allen Trimble, Member Posts, Retirement Planning, Your Retirement
Written By: Allen Trimble | Secure Money Solutions For years, many investors have held bond funds as a way to buffer their portfolio from the volatility of the stock market. Ironically, bond funds have provided more of the returns than stock funds, in many portfolios, over the last 12 or 13 years. Now we may be approaching a point where your portfolio needs a buffer from both stock and bond funds! What many folks don’t realize is that we have been in a bull market...
View Article
Todd D. Heckman |
June 2, 2013 |
Your Retirement
Annuity Think Tank, an independent educational group focused on annuities and retirement income, has launched a lighthearted yet educational article highlighting the importance of performing due diligence before making a final decision on a specific annuity type. As we all know, there will never be a single one-size-fits-all retirement planning tool that is a perfect fit for everyone. Each individual has unique needs and risk tolerances that should be specifically addressed, and education is the key to unlocking optimal retirement plans. Fully embracing this belief,...
View Article
Todd D. Heckman |
April 9, 2013 |
Member Posts, Nina Avery, Retirement Planning, Your Retirement
Written By: Nina Avery, CFP ® | Avery Safe Money Solutions Einstein called compounding interest the eighth wonder of the world – if you are earning it. If you are paying it, it can quickly become a nightmare. Heard of the rule of 72? It is a basic calculation that lets you know approximately how long it will take to double your principal based on the interest rate being applied. If you are earning – it’s AWESOME. If you are paying – it’s SCARY. Let’s...
View Article
Todd D. Heckman |
March 13, 2013 |
Member Posts, Retirement Planning, Your Retirement
Written By: Marvin Hurwitz | Retirement Benefits Specialist in Baltimore, MD If you are retired or planning for retirement, you should consider some basic benefit plans to make sure you enjoy your retirement years and fulfill your retirement dreams. While building a nice nest egg during your working years is vital, it’s also important that you prepare for the both the certainties and the “what ifs” in your life when your employment income ceases. You may be able to count on your Social Security payments,...
View Article
Todd D. Heckman |
March 12, 2013 |
Member Posts, Retirement Planning, Your Retirement
By Joseph Carter Gray, CLU® | Pacific Insurance Group, Inc It’s been said the only certainties in life are death and taxes, to which Will Rogers famously quipped that, “death doesn’t get worse every time Congress meets.” Life is full of surprises but your retirement should not be one of them. Do you think that taxes will be higher or lower in the future? Tax diversification can help counter the ever-changing tax environment and provide flexibility in retirement. Tax diversification refers to placing your money...
View Article
